The Lincoln National Life Insurance Company Information

Name:	The Lincoln National Life Insurance Company
Description:	The Lincoln National Life Insurance Company is a member of Lincoln Financial Group.
Website:	http://www.lfg.com
Customer Service:	1-888-946-2700
Address:	1300 South Clinton Street Fort Wayne, IN 46802
Offered by QuickQuote in:	All states except for NY
Year Founded:	1905
AM Best Rating:	A+ as of 2007
S&P Rating:	AA
Included Term Life Product Features
Accelerated Benefit Rider:	Included with no extra premium. This rider allows the policy owner to request a portion of the death benefit if the Insured is diagnosed as terminally ill with a life expectancy of less than six months. The maximum benefit amount is 50% of the policy death benefit, up to a maximum of $250,000 on all policies per Insured with the company. This benefit will be treated as a lien against the policy and as such, will accrue interest. A $300 administrative charge will apply. Not available in all states. Some state exceptions apply. Please email or call for details.
Conversion:	Included with no extra premium. This policy is convertible for the level premium period or to age 70, if earlier. Conversions are allowed to any permanent plan made available by the company at the time of conversion. Conversions are subject to all conditions set forth in the policy and may require evidence of insurability.
Optional Term Life Product Features
Waiver of Premium Rider:	Available with extra premium. In the event of a qualifying total disability, premiums will be waived for the duration of the disability. Available for issue ages 19-59 and expires on the insured's 65th birthday. The maximum face amount issuable with this rider is $5,000,000. Please email or call for details and premium rates.
Children Term Insurance Rider:	Available with extra premium. Provides term insurance coverage for the policy Insured's children. The rider is available for issue ages 18-55 for the policy Insured and 15 days - 18 years for covered children. Coverage on each eligible child will terminate on or after the child's 25th birthday. The rider will terminate on the earlier of the youngest insured child's age 25 or the policy Insured's age 65. One unit equals $1,000 coverage, with 1 to 15 units available. The premium rate is $5.00 per unit annually.
Disability Income Rider:	Available with extra premium. This rider provides a monthly income benefit for a maximum of two years to the policy owner if the policy Insured becomes disabled. Available for issue ages 20-55. Not available in all states. Please email or call for details.
Other Information
Legal Information	Online applications are not available for The Lincoln National Life Insurance Company. Clicking apply indicates you are ready to receive an application packet, which will be mailed to you by QuickQuote. Lincoln LifeElements Level Term life insurance plans shown are issued by The Lincoln National Life Insurance Company, 1300 South Clinton Street, Fort Wayne, IN 46802. Rates shown are current as of 7/17/2007 and are subject to change. Rates after the guaranteed level premium period increase annually to age 95. Premiums shown include an annual $75 policy fee. Products and features subject to state availability. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Lincoln LifeElements Policy Form Number TRM5060. Ratings are not guarantees of future performance. Company ratings are current as of 3/28/2007. The Lincoln National Life Insurance Company products are offered in all states through Tim Bain, licensed agent and QuickQuote Financial, Inc., licensed agency. Compliance number LLA0706-0267.

COMPANY UNDERWRITING GUIDELINES(back to top)

Below is a table showing the rating class you would most likely fit into based on an answer to an underwriting guideline question. Remember this is only a guide and actual underwriting guidelines and class are determined at the time of underwriting. If you are classified as a tobacco/nicotine user, the classes available to you will be Preferred Tobacco and Standard Tobacco.
	Preferred Plus	Preferred	Standard Plus	Standard	Preferred Tobacco	Standard Tobacco
Did either of your natural parents or siblings have a history of diabetes coronary artery disease (e.g. heart attack, stroke, hypertension, etc.) prior to age 65?	No				No	Yes
Did either of your natural parents or siblings die of of diabetes coronary artery disease (e.g. heart attack, stroke, hypertension, etc.) prior to age 65?	No
What is your history of tobacco/nicotine usage?	None in last 3 years	None in last 2 years		None in last 1 year	Current User
Are you an occasional cigar smoker?	No	Yes
Are you currently being treated for hypertension (high blood pressure)?	No	Yes			No	Yes
What is your current blood pressure reading?	<140/90 untreated	<140/90 treated		>140/90 treated
What is your current cholesterol level?	Chol/HDL ratio <5.5 and chol <230	Chol/HDL ratio <6.5 and/or chol <250
Do you have a history of or have you received treatment for any of the following conditions: heart or cardiovascular disease, diabetes, internal cancer, melanoma or stroke/TIA?	No			Yes
Do you have a history of alcohol/substance abuse?	No			Yes	No	Yes
Do you have any instances of DWI, DUI, reckless driving or license suspension?	Yes, > 5 years ago			Yes, < 5 years ago
Do you have any recent motor vehicle driving violations?	Yes, < 3 in the last 3 years		Yes, 3 in the last 3 years	Yes, > 3 in the last 3 years
Have you participated in private aviation within the past 2 years?	No	Yes

* - Tobacco classes depend on current or past tobacco use. See the table below for specific tobacco usage policies for The Lincoln National Life Insurance Company.
None in last 5 years	You may qualify for		Preferred Plus
None in last 4 years	You may qualify for		Preferred Plus
None in last 3 years	You may qualify for		Preferred Plus
None in last 2 years	You may qualify for		Preferred
None in last 1 year	You may qualify for		Standard
Never	You may qualify for		Preferred Plus
Current User	You may qualify for		Preferred Tobacco

Legal Information Online applications are not available for The Lincoln National Life Insurance Company. Clicking apply indicates you are ready to receive an application packet, which will be mailed to you by QuickQuote. Lincoln LifeElements Level Term life insurance plans shown are issued by The Lincoln National Life Insurance Company, 1300 South Clinton Street, Fort Wayne, IN 46802. Rates shown are current as of 7/17/2007 and are subject to change. Rates after the guaranteed level premium period increase annually to age 95. Premiums shown include an annual $75 policy fee. Products and features subject to state availability. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Lincoln LifeElements Policy Form Number TRM5060. Ratings are not guarantees of future performance. Company ratings are current as of 3/28/2007. The Lincoln National Life Insurance Company products are offered in all states through Tim Bain, licensed agent and QuickQuote Financial, Inc., licensed agency. Compliance number LLA0706-0267.

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